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Loan Management System
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Loan Management System · Available now

Trace each lending decision to its account and evidence.

Loan Management System organizes lending work from borrower setup through application review, disbursement evidence and servicing. A Credit Officer owns an application for an organization and borrower, records the requested principal, and keeps attachments and application evidence with that case.

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  • No per-user fees
  • Manual work is free
  • Configure it in Proto
OverviewApplications in review
Loan Management System · Loan applications

Applications in review

Loan applications in one list

New loan application
Loan applications in view
6
Total requested principal USD
2,130
Under review
6
Record numberSubjectStatusRequested principal USDOwnerCounterparty
LA-96867Oak Hollow delivery van loanUnder review430Elliot FraserOak Hollow Couriers
LA-29894Bluecrest clinic equipmentUnder review210Linnea OrtizAmber Vale Coffee House
LA-65472Pinehaven market expansionUnder review710Sofia RahimiOak Hollow Couriers
LA-63341Westmoor artisan workshopUnder review170Linnea OrtizBluecrest Family Clinic
LA-67167Rivergate cold storage loanUnder review540Keisha BowmanAmber Vale Coffee House
6 of 6 records
Oak Hollow delivery van loanLoan applications · LA-96867
Under review
Requested principal USD430
OwnerElliot Fraser
CounterpartyOak Hollow Couriers
Submitted at17 Oct
Decide creditLA-96867 · Oak Hollow delivery van loan

Independent Credit Approver decides the submitted application revision.

Waiting for Independent Credit Approver
ApproveReturn
Example screen with sample data
Tables, ready to use
15
Saved views
14
Roles with set permissions
5
Reports and dashboards
8
Features

See each lending case and exception

Every feature works on the same records. Pick one to see the screen your team works in.

Borrower and account setup

Keep each borrower, lending organization and provider account connected.

  • Organization scope
  • Borrower identity
  • Provider account
  • Organizations
  • Borrowers
  • Loan accounts
  • Team members
  • Users
Explore borrower and account setup
OverviewBorrower directory
Loan Management System · Borrower and account setup

Borrower directory

Borrowers

New
NameCodeOrganizationContact nameEligibility note
Oak Hollow CouriersOHC-201Cedarbridge Loan ServicesNadia FloresTrading history exceeds two years
Bluecrest Family ClinicBFC-214Riverbend Credit CooperativeOmar VelezEquipment quote verified
Pinehaven Food MarketPFM-229Mariner Valley LendingAnika HartCurrent tax filings received
Westmoor Artisan GoodsWAG-238Mariner Valley LendingJasper IbrahimBusiness registration active
Rivergate Fresh StorageRFS-246Mariner Valley LendingElise MooreDebt coverage within policy
6 of 6 records
Oak Hollow CouriersBorrowers · BRR-51964
CodeOHC-201
OrganizationCedarbridge Loan Services
Contact nameNadia Flores
Eligibility noteTrading history exceeds two years
Example screen with sample data
Process

Follow the request into servicing

From application to serviced loan ships ready to use. One step needs a named approval before the work moves on: Decide credit (Independent Credit Approver).

Drag a card to another stage, or focus it and use the arrow keys. It updates to match the stage.

  1. Prepare application

    Capture borrower, owner, principal and support on one request.

    Oak Hollow delivery van loanLA-96867 · Credit Officer
    Prepare applicationBy Credit Officer

  2. Submit for review

    Send the current revision to a separate credit reviewer.

    Oak Hollow delivery van loanLA-96867 · Credit Officer
    Submit for reviewBy Credit Officer

  3. Decide credit

    The Independent Credit Approver records a reasoned decision.

    Oak Hollow delivery van loanLA-96867 · Independent Credit Approver
    Decide creditBy Independent Credit Approver
    ApprovalIndependent Credit Approver decides the submitted application revision.

  4. Submit disbursement

    Send an approved case with a traceable provider instruction.

    Oak Hollow delivery van loanLA-96867 · Credit Officer
    Submit disbursementBy Credit Officer

  5. Confirm provider evidence

    Check the source event before confirming the effect.

    Oak Hollow delivery van loanLA-96867 · Credit Officer
    Confirm provider evidenceBy Credit Officer

  6. Reconcile servicing

    Compare schedules, repayments and operation receipts.

    Oak Hollow delivery van loanLA-96867 · Credit Officer
    Reconcile servicingBy Credit Officer

Start with Application review

Inside a record

Connect provider events to the case

Open any loan application to see its application evidence, the roles that work on it, its process stages and its approvals on one page.

  1. 1
    Record details

    Requested principal USD, Owner, Counterparty and Submitted at.

  2. 2
    Application evidence

    Each line is linked to this loan application.

  3. 3
    Who works on it

    Credit Officer and Admin, each with their own permissions.

  4. 4
    Process stages

    Prepare application, with the role that acts.

  5. 5
    Approvals

    Decide credit, with who decides.

Applications in reviewOak Hollow delivery van loan
Loan Management System · Loan applications

Oak Hollow delivery van loan

Oak Hollow Couriers · Under review

Log activity
1
Record details
Requested principal USD430
OwnerElliot Fraser
CounterpartyOak Hollow Couriers
Submitted at17 Oct
2
Application evidence

Oak Hollow delivery van loan

ParentEvidence typeProvider event ID
Oak Hollow delivery van loanStatementEVT-2026-91021
Bluecrest clinic equipmentConfirmationEVT-2026-91038
Mossline landscaping fleetSettlementEVT-2026-91055
Application evidence
6
Total amount USD
2,780
3

Who works on it

  • Credit OfficerManage loan applications, record attachments, servicing reviews
  • AdminManage Users
4

Process stages

  • Prepare applicationCredit Officer
5

Approvals

  • Decide creditIndependent Credit Approver
    Approved
Example screen with sample data
Approvals

Keep credit decisions independent

The person who prepares a request cannot approve that same submission; record the reviewer on the decision.

OverviewApprovals
Loan Management System · Overview

Approvals

Signed in as Independent Credit Approver

Waiting for you

4 To review1 Overdue2 Decided todayOnly mine
0 selectedApproveReturn
  • SR-20117Amber Vale cafe refit
    Amberfield Finance HouseRequested by Credit Officer
    Submitted2dActions
  • SR-25025Cedarbrook farm machinery
    Oakline Regional CreditRequested by Credit Officer
    Submitted2dActions
  • SR-74924Amber Vale cafe refit
    Westmoor Community CapitalRequested by Credit Officer
    Submitted5dActions
  • SR-10055Cedarbrook farm machinery
    Mossbank Lending CircleRequested by Credit Officer
    Submitted5dActions

Who approves what

DecisionApprover
Decide creditThe Independent Credit Approver records a reasoned decision.Independent Credit Approver
1 approval rule · set per role in Proto
Example screen with sample data
Who can approve what
Roles

A workspace for each role

Everyone opens Loan Management System to the work that is theirs. Pick a role to see what it starts with.

Credit Officer

Prepare assigned operational records and execute eligible reviewed actions. Own organization and draft scope only; accepted, posted and provider evidence is read-only; guarded workflows authorize every transition.

This is the first screen this role sees.

OverviewAwaiting provider confirmation

Awaiting provider confirmation

Loan applications · Credit Officer

Submitted3
DISB-2026-5301Bluecrest Family Clinic
19 Oct
DISB-2026-5303Amber Vale Coffee House
17 Oct
DISB-2026-5305Rivergate Fresh Storage
29 Oct
Add
Pending3
DISB-2026-5302Pinehaven Food Market
22 Oct
DISB-2026-5304Amber Vale Coffee House
27 Oct
DISB-2026-5306Mossline Landscape Works
20 Oct
Add
Example screen with sample data

Roles and permissions

Reports

Answer from recorded outcomes

Read application decisions, provider effects and servicing exceptions from case records.

Overview
Loan Management System · Overview

Loan Management System dashboard

This quarter

Servicing reviews in view
6
Total outstanding principal USD
3,210
Submitted
6
Reviewed at within 14 days
3

Loan applications by status

How far records got this quarter

StageReachedStep
Draft25
Under review728%
Approved229%
Submitted150%

Requested principal USD by status

Sample totals per stage

2.0k0
2.0kDraft
-3000Under review
-1000Approved
-4000Submitted
-1000Pending
Example screen with sample data
  1. 01Application pipeline

    Group applications by Status and sum requested principal USD by Organization.

  2. 02Credit decision history

    Show Decision, decided at, Reason and Reviewer for each parent application and source revision.

  3. 03Provider confirmation watch

    List Submitted and Pending applications with provider instruction ID and value date.

  4. 04Disbursement by account

    Group Disbursements by Loan and loan application with Direction and amount USD.

  5. 05Repayment due by account

    Group repayment schedules by Loan and due date with principal due USD and interest due USD.

  6. 06Repayment exceptions

    Show Repayments in Unmatched or Exception State with received USD, received at and Loan.

  7. 07Servicing decision history

    Show servicing reviews by Status, Revision, decision at and outstanding principal USD.

  8. 08Operation receipt exceptions

    Show operation receipts with Failed or needs review result state, failure reason and Parent.

All reports and dashboards

Who it's for

Fit your lending team

See how Loan Management System fits your kind of team.

Community lenders

Keep local borrower decisions and provider handoffs tied to the same case.

Specialty finance teams

Follow a provider-linked application across decisions, funding and servicing.

Multi-entity lenders

Keep borrower, reviewer and servicing scope clear across lending organizations.

Controls

Trace decisions and effects

Each stage, from application to serviced loan, names the role that acts and the status it records, so a change is never anonymous.

OverviewFrom application to serviced loan
Loan Management System · Process

From application to serviced loan

Each stage, the role that acts and the status it records

Process stages
10
Approval steps
1
Roles involved
3
Tables touched
12
Submit for review
Credit Officer
StatusDraft → under review
Decide creditApproval
Independent Credit Approver
StatusUnder review → Approved
RecordsReview decisions
Submit disbursement
Credit Officer
StatusApproved → Submitted
From application to serviced loan
  1. Start
    Submit for reviewDraft → under review
    Credit Officer
  2. Approval
    Decide creditUnder review → Approved
    Review decisions
  3. Step
    Submit disbursementApproved → Submitted
    Credit Officer
  4. Step
    Confirm provider evidenceSubmitted → Confirmed
    Application evidence
  5. Approval
    Review adjustmentSubmitted → Approved
    Servicing reviews
Example screen with sample data

See each stage in detail

AI agent

Ask Proto about the next case

Use Proto to prepare records, inspect exceptions and explain case handoffs.

It can

  • Credit Officer: Find assigned applications, summarize their borrower and principal, and identify what supporting material is linked.
  • Approver: Show applications awaiting a decision with their current revision and prior decision history.
  • Credit Officer's servicing assistant: Show the due schedule beside a repayment, then compare its account, amount and received date with the provider's confirmed event.
  • Auditor: Trace a case from its decision to the provider event and operation receipt within authorized scope.

Stays with a person

  • A named Independent Credit Approver makes the credit or servicing decision.
  • The provider supplies actual disbursement and repayment events.
  • The team verifies those events before treating an application as confirmed or an operation as completed.
  • Proto follows the user's role and the configured access boundary.

Set up an agent

Integrations

Connects to the tools you use

Set up connections through ERP.AI and Proto workflows, with every change logged.

  • Loan Management System
  • Lending provider
  • Provider repayment events
  • Provider schedule feed
Data model

Your data, in tables you can change

Every record lives in a table you can see, extend and export. Add fields or whole tables in Proto.

Browse all 15 tables
15tables
  • Borrower and account setup5
  • Application intake5
  • Credit review5
  • Disbursement and evidence6
  • Repayment servicing5
  • Servicing and reconciliation6
Implementation

Roll out one team at a time

Start with one team and one process, then add the rest once the basics are running.

  1. Establish scope

    Add organizations, team members, borrowers and provider-linked accounts. Agree codes, currencies, time zones and ownership.

  2. Prepare a pilot case

    Enter a request with principal, owner and borrower. Add an attachment and application evidence that the reviewer can inspect.

  3. Rehearse decisions

    Have a separate Independent Credit Approver approve, reject and return current revisions. Test a self-approval and a stale revision.

  4. Connect provider events

    Map instructions, account IDs, disbursement evidence, schedule snapshots and repayments. Hold confirmation until the effect is verified.

  5. Test servicing exceptions

    Compare matching and mismatching repayments; review an adjustment and check a receipt against persisted effects.

Read the implementation plan

Pricing

$0per user

The base account and everyday work in the ERP.AI app are free, for every user.

  • No per-user or per-seat fees
  • Viewing, editing, approving and exporting records in the app is free
  • Pay only for machine work: API calls, imports, workflows and AI agents
  • Prepaid credits from $5. Purchased credits never expire

Pricing details

Machine work rate card Included per $1 of credit

Machine work rate card
UsagePer $1
Record reads (list, filter, get)20,000
Search or aggregate queries4,000
Record writes4,000
Imported or synced records200,000
Workflow runs2,000
AI agent runs2,000
Scheduled jobs or webhooks20,000
File uploads (MB)2,000
CSV or PDF exports100
FAQ

Questions, answered

Scope, rollout and pricing for Loan Management System.

All questions
How do I get started?

Click Get started, then use Proto to configure Loan Management System for your business. Begin with one organization, an active borrower and provider-linked account, then rehearse an application through decision and verified provider evidence.

Who prepares a loan request?

A Credit Officer owns the application, records its borrower, requested principal and supporting material, and submits its current revision for review.

Who decides credit?

An Independent Credit Approver records an approval, rejection or return with a reason against the reviewed revision. The person who submitted the case must be different from the approver.

What makes an application confirmed?

The team checks the provider's disbursement or settlement evidence against the case and account. Sending an instruction places the case in the provider handoff; confirmation follows verified effect.

Where do supporting documents belong?

Record attachments stay on the parent application with an uploader, upload time and visibility setting. Application evidence holds source events and their verification value.

How are repayments matched?

The team compares a received event with the same account and application, exact amount and confirmed receipt date. A difference remains unmatched or becomes an exception for investigation.

How does a servicing adjustment get approved?

The Credit Officer submits a servicing review linked to the parent application. An Independent Credit Approver decides its current revision and records a reason before the review status changes.

What happens when an action is retried?

An operation receipt retains a stable key and effect references. The team checks the earlier result before repeating a provider-facing action and investigates any discrepancy.

Can an administrator approve a case?

The App Administrator maintains organizations, borrowers and membership. Credit approval belongs to the Independent Credit Approver under the case's decision path.

Where can an auditor follow a case?

The Auditor reads authorized application, decision, evidence and receipt records to reconstruct what happened without editing the case.

Set up Loan Management System your way.

Start free, then use Proto to change fields, steps and approvals before your team goes live.

Start now Download Proto

How to get started

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